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20952 60th Ter, Live Oak, FL, 32060

5beds
4baths
3,270sqft
$967,000
$296price/sqft
$6,800/moest. monthly cost
$272,000/yrincome needed

About This Home

Set on 20 private acres, this 3,210 sq ft two-story home has 5 bedrooms, 3.5 bathrooms, and an extra flex room, so there’s a ton of space to work with depending on what you need. The wraparound porch and brick plus Hardie board exterior give it that classic look, but it’s also built to last. The primary suite is downstairs, and it has two walk-in closets and a spacious bathroom with separate vanities, a walk-in shower with built-in shelving, and a clawfoot tub under a chandelier. There’s also a glass block wall that brings in natural light without giving up privacy. Right off the bathroom is a flex room that’has endless possibilities like a a craft space, additional closet or nursery, but it did used to have an indoor hot tub and still has a Rinnai temperature control hooked up to an exterior tankless water heater (buyer should verify future use). Throughout the home, there are tons of arched and picture windows, along with crown molding, chandeliers, ceiling fans, and a double-sided gas fireplace that connects the living room and kitchen. The kitchen has granite countertops, stainless steel appliances, a deep farmhouse sink, glass-front upper cabinets, a coffee bar, and a pantry. The dining area sits just off the kitchen and includes built-in shelving. Behind a pocket door, there’s a utility room with the washer and dryer, extra storage, and access to a bathroom. The first bedroom off the hallway has its own bathroom that can also be accessed from the hall, which works well for guests. Two more bedrooms both have walk-in closets and share a Jack-and-Jill bathroom with double sinks, while the shower and toilet are separated. The fourth bedroom has a built-in window bench with storage and another large walk-in closet. Upstairs, there’s an open catwalk with black iron rod railing that overlooks the main living space on the first floor. It leads past a small library nook with built-in book shelf to the fifth bedroom, which is oversized with vaulted ceilings, arched windows, a private toilet area, and extra attic access. Other features include 3 AC units, a central vacuum system with new hoses, built-in dog or kid doors, easy attic access, blown-in insulation, and a whole-home generator. Outside, you’ve got a private pool, multiple sheds, and a four-bay garage with roll-up doors. One of the biggest highlights is the 100x50 insulated workshop with three HVAC units. About half is still set up as an open garage with a 12-foot RV door, and the other half has already been framed and wired for a two-story living or office space, just waiting to be finished out (buyer to verify use). Overall, it’s a really versatile property with a mix of privacy, space, and potential, whether you want room to spread out, run a business, or customize it over time.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

7/10
4/10
Suwannee Middle SchoolGrades 6-811.8 mi
4/10
Suwannee High SchoolGrades 9-1212.0 mi

Construction

Condition

  • Property condition: Completed
  • Year built: 1997

Materials

  • Foundation: Brick/Mortar
  • Roof: Metal,Shingle
  • Construction materials: Brick,HardiPlank Type

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Water Heater,Range,Refrigerator,Tankless Water Heater,Washer,Water Filtration System,Water Softener
  • Laundry features: Laundry Room

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Built-in Features,Cathedral Ceiling(s),Ceiling Fan(s),Central Vacuum,High Ceilings,Primary Bedroom Main Floor,Split Bedroom,Stone Counters,Thermostat,Walk-In Closet(s)
  • Door features: French Doors
  • Window features: Window Treatments,Shutters,Hurricane Shutters/Windows
  • Flooring: Carpet,Tile
  • Fireplace features: Gas,Living Room,Other Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Electric,Heat Pump,Propane
  • Cooling features: Central Air

Interior Area

  • Total structure area: 4,195
  • Total interior livable area: 3,270 sqft

Kitchen

  • Level: First
  • Area: 156
  • Dimensions: 12x13

Living Room

  • Level: First
  • Area: 506
  • Dimensions: 22x23

Primary Bathroom

  • Features: Ceiling Fan(s),Claw Foot Tub,Dual Sinks,Exhaust Fan,Makeup/Vanity Space,Split Vanities,Tub with Separate Shower Stall,Water Closet/Priv Toilet,Window/Skylight in Bath
  • Level: First

Primary Bedroom

  • Features: En Suite Bathroom,Walk-In Closet(s)
  • Level: First

Workshop

  • Level: First
  • Area: 1500
  • Dimensions: 50x30

Workshop

  • Level: First
  • Area: 5000
  • Dimensions: 100x50

Property

Details

  • Parcel number: 0202S11E10961002000
  • Zoning: IMP AG
  • Special condition: None

Features

  • Levels: Two
  • Stories: 2
  • Private pool: Yes
  • Pool features: Child Safety Fence,In Ground,Lighting
  • Patio & porch: Covered,Front Porch,Wrap Around
  • Exterior features: Irrigation System,Private Entrance,Private Yard,Rain Gutters,RV Hookup
  • Fencing: Chain Link,Wire
  • Has view: Yes
  • View description: Trees/Woods
  • Residential vegetation: Fruit Trees,Mature Landscaping,Trees/Landscaped

Lot

  • Lot size: 20 Acres
  • Features: Cleared,In County,Pasture,Zoned for Horses

Parking

  • Total spaces: 8
  • Parking features: Bath In Garage,Golf Cart Garage,Oversized,RV Garage,RV Access/Parking,Workshop in Garage
  • Has garage: Yes
  • Attached garage spaces: 6
  • Covered spaces: 8
  • Carport: Yes
  • Carport spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Hurricane
Lightning
Cold Wave
Inland Flooding
Tornado
Wildfire

FEMA Declared Disasters in Suwannee County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $4,889$58,668
Home Insurance *$571$6,852
Property Taxes $1,011$12,132
Electricity $329$3,949
Total$6,800$81,600
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$233,142/yr
40% on housing$204,000/yr
45% on housing$181,333/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 14.1%
14.1%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 0.7%
0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$296This listing

vs Other Active Listings

Avg $/sqft

ZIP 32060$199
Suwannee County$170

vs Homes Sold Last Month

Median $/sqft

ZIP 32060
Suwannee County$178

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-20Listed for sale$967,000
2020-01-07Sold$535,000
2019-06-14Price change$525,000
2018-08-13Listed for sale$550,000
2018-04-17Listing removed$550,000
2018-04-06Listed for sale$550,000

For Sale by Agent

AgentJennifer Barona
BrokerageKELLER WILLIAMS GAINESVILLE REALTY PARTNERS

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